One Claim Program

The One Claim Program (OCP) limits the impact of a single significant claim while that claim is in the employer’s experience.

This program is for employers that have been removed from the Group-Experience Rating Program due to a significant claim. It helps employers with minimal claims lessen the impact of a large claim coming into their experience next year.

The basics

To participate in OCP, you must have a single significant claim entering your experience for the first time. A significant claim is one whose total cost exceeds the expected losses for an employer based on size and industry — also known as total limited losses — calculated for that policy year. You may only designate one significant claim every four years.

Why participate?

In addition to the base rate reduction, OCP provides an opportunity for employers to gain a better understanding of claims management and work to prevent future claims. Effective claims management can help employers get back into a group-rating program more quickly.

Eligibility requirements

Be enrolled in a group-rating program.

Have a single, significant claim entering experience for the first time from the green year that prevents them from being renewed in their group.

Not have more than three medical-only claims in addition to the one significant claim during the experience period.

Be current (no more than 45 days past due) on any premiums, assessments or other monies due to BWC as of the application deadline.

No days of lapsed coverage in excess of 40 days within the twelve months preceding the application deadline.

Report actual payroll for the preceding policy year, and pay any premium due upon reconciliation of estimated premium and actual premium for that policy year no later than the date set forth in Ohio Administrative Code 4123-17-14.

You must submit an application each year. BWC will not automatically enroll you in the program. BWC will determine initial and ongoing eligibility based on claims activity during the experience period. BWC maintains the right to remove an employer from the program if it does not meet eligibility requirements.

How it works

An employer who meets all the eligibility requirements will receive the following up front discount off the base rate.

20 percent during the first year in the program.

15 percent in the second year.

10 percent in the third year.

5 percent in the fourth year

5 percent in the fifth year.

To maintain eligibility in OCP, employers must:

Not allow the total cost of the three medical-only claims to exceed their expected losses – also known as total limited losses – calculated for that policy year.

Attend a half-day class offered by BWC's Division of Safety & Hygiene during the first policy year.

Attend a half-day class or a three-hour online class offered by BWC’s Division of Safety & Hygiene for each subsequent year.

Remain current on any premiums, assessments or other monies due to BWC.